Paying for an Investment using Wallet Balance

Goal: To allow an investor to use the available funds in their platform Wallet to pay for a confirmed Investment.

Actors: Investor

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Steps

1. Selection: During the "Investment Details" step of the investment process, the Investor selects "Wallet Balance" as their payment method. The Investor Dashboard displays the wallet API's investment capacity (balance + inc_balance - out_balance).

2. Validation: Upon submitting the "Investment Details" step, the Investment Process Management service confirms the Investment details.

3. Balance Check: It then calls the Integrated Wallet Solution to verify that the Wallet's available balance is sufficient to cover the Investment amount.

4. Fund Reservation: If the capacity check passes, the Integrated Wallet Solution creates an investment Transaction with wait status and increases the persisted out_balance by the investment amount. This reserves the funds before provider submission.

5. Legal Confirmation and Transfer Trigger: The Investment proceeds to the LEGALLY_CONFIRMED status (assuming compliance checks pass). The Investment Process Management service instructs the Integrated Wallet Solution to finalize the payment.

6. Internal Transfer: The Integrated Wallet Solution submits the reserved investment transfer. On completion, it debits the user's Wallet balance, decreases out_balance, and credits the Offer's collection wallet.

7. Settlement: Upon successful wallet transfer completion from Dwolla, the wallet worker updates the Investment's funding_status to the lowercase wire value settled. This wallet path does not wait for an Offer close.

8. Outcome: The investment is successfully paid using the investor's internal platform wallet balance, and its wallet transfer is recorded as settled.